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Cigna VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD50,000 Deductible
信諾自願醫保系列－靈活計劃（優越） - 半私家病房 - 50,000 港元自付費
CIGNA Worldwide General Insurance Company Limited · F00016-04-000 · 7 versions · Flexi plan · Avg. annual increase +4.65%
| Age | F00016-04-000-01 2019-04-01 | F00016-04-000-02 2021-03-24 | F00016-04-000-03 2022-01-27 | F00016-04-000-03 2022-04-01 | F00016-04-000-04 2023-07-01 | F00016-04-000-04 2024-07-01 | F00016-04-000-05 2025-07-01 | Avg. annual increase |
|---|---|---|---|---|---|---|---|---|
| 0 | HK$4,682 | HK$4,682 | HK$4,682 | HK$5,010 (+7.0%) | HK$5,035 (+0.5%) | HK$5,287 (+5.0%) | HK$5,679 (+7.4%) | +2.75% |
| 5 | HK$3,654 | HK$3,654 | HK$3,654 | HK$3,910 (+7.0%) | HK$3,930 (+0.5%) | HK$4,127 (+5.0%) | HK$4,371 (+5.9%) | +2.55% |
| 10 | HK$3,209 | HK$3,209 | HK$3,209 | HK$3,434 (+7.0%) | HK$3,451 (+0.5%) | HK$3,716 (+7.7%) | HK$3,876 (+4.3%) | +2.69% |
| 15 | HK$2,763 | HK$2,763 | HK$2,763 | HK$2,956 (+7.0%) | HK$2,971 (+0.5%) | HK$3,349 (+12.7%) | HK$3,494 (+4.3%) | +3.36% |
| 20 | HK$3,058 | HK$3,058 | HK$3,058 | HK$3,272 (+7.0%) | HK$3,305 (+1.0%) | HK$3,726 (+12.7%) | HK$3,916 (+5.1%) | +3.54% |
| 25 | HK$3,472 | HK$3,472 | HK$3,472 | HK$3,715 (+7.0%) | HK$3,771 (+1.5%) | HK$4,251 (+12.7%) | HK$4,527 (+6.5%) | +3.80% |
| 30 | HK$3,941 | HK$3,941 | HK$3,941 | HK$4,217 (+7.0%) | HK$4,344 (+3.0%) | HK$4,897 (+12.7%) | HK$5,269 (+7.6%) | +4.17% |
| 35 | HK$4,475 | HK$4,475 | HK$4,475 | HK$4,788 (+7.0%) | HK$4,932 (+3.0%) | HK$5,560 (+12.7%) | HK$6,007 (+8.0%) | +4.23% |
| 40 | HK$5,102 | HK$5,102 | HK$5,102 | HK$5,459 (+7.0%) | HK$5,585 (+2.3%) | HK$6,385 (+14.3%) | HK$6,912 (+8.3%) | +4.36% |
| 45 | HK$6,290 | HK$6,290 | HK$6,290 | HK$6,730 (+7.0%) | HK$6,932 (+3.0%) | HK$7,753 (+11.8%) | HK$8,407 (+8.4%) | +4.16% |
| 50 | HK$7,790 | HK$7,790 | HK$7,790 | HK$8,335 (+7.0%) | HK$8,668 (+4.0%) | HK$9,488 (+9.5%) | HK$10,348 (+9.1%) | +4.07% |
| 55 | HK$9,895 | HK$9,895 | HK$9,895 | HK$10,588 (+7.0%) | HK$11,255 (+6.3%) | HK$12,617 (+12.1%) | HK$13,737 (+8.9%) | +4.72% |
| 60 | HK$12,570 | HK$12,570 | HK$12,570 | HK$13,450 (+7.0%) | HK$14,768 (+9.8%) | HK$17,007 (+15.2%) | HK$18,477 (+8.6%) | +5.57% |
| 65 | HK$15,967 | HK$15,967 | HK$15,967 | HK$17,085 (+7.0%) | HK$19,391 (+13.5%) | HK$24,239 (+25.0%) | HK$26,310 (+8.5%) | +7.28% |
| 70 | HK$20,281 | HK$20,281 | HK$20,281 | HK$21,701 (+7.0%) | HK$24,631 (+13.5%) | HK$30,789 (+25.0%) | HK$33,477 (+8.7%) | +7.30% |
| 75 | HK$25,761 | HK$25,761 | HK$25,761 | HK$27,564 (+7.0%) | HK$31,285 (+13.5%) | HK$39,106 (+25.0%) | HK$42,821 (+9.5%) | +7.41% |
| 80 | HK$32,721 | HK$32,721 | HK$32,721 | HK$35,011 (+7.0%) | HK$39,501 (+12.8%) | HK$49,376 (+25.0%) | HK$54,149 (+9.7%) | +7.34% |
| 85 | HK$40,581 | HK$40,581 | HK$40,581 | HK$43,422 (+7.0%) | HK$47,525 (+9.4%) | HK$56,720 (+19.3%) | HK$62,269 (+9.8%) | +6.21% |
| 90 | HK$50,330 | HK$50,330 | HK$50,330 | HK$53,853 (+7.0%) | HK$57,125 (+6.1%) | HK$62,018 (+8.6%) | HK$67,772 (+9.3%) | +4.27% |
| 95 | HK$62,422 | HK$62,422 | HK$62,422 | HK$66,792 (+7.0%) | HK$68,595 (+2.7%) | HK$72,025 (+5.0%) | HK$78,135 (+8.5%) | +3.21% |
| 99 | HK$74,155 | HK$74,155 | HK$74,155 | HK$79,346 (+7.0%) | HK$79,346 | HK$83,313 (+5.0%) | HK$89,812 (+7.8%) | +2.73% |
| All ages average | — | 0.0% | 0.0% | +7.0% | +5.1% | +13.4% | +7.8% | — |
0 y/oHK$4,682
5 y/oHK$3,654
10 y/oHK$3,209
15 y/oHK$2,763
20 y/oHK$3,058
25 y/oHK$3,472
30 y/oHK$3,941
35 y/oHK$4,475
40 y/oHK$5,102
45 y/oHK$6,290
50 y/oHK$7,790
55 y/oHK$9,895
60 y/oHK$12,570
65 y/oHK$15,967
70 y/oHK$20,281
75 y/oHK$25,761
80 y/oHK$32,721
85 y/oHK$40,581
90 y/oHK$50,330
95 y/oHK$62,422
99 y/oHK$74,155
0.0%
All-ages avg
0 y/oHK$4,682
5 y/oHK$3,654
10 y/oHK$3,209
15 y/oHK$2,763
20 y/oHK$3,058
25 y/oHK$3,472
30 y/oHK$3,941
35 y/oHK$4,475
40 y/oHK$5,102
45 y/oHK$6,290
50 y/oHK$7,790
55 y/oHK$9,895
60 y/oHK$12,570
65 y/oHK$15,967
70 y/oHK$20,281
75 y/oHK$25,761
80 y/oHK$32,721
85 y/oHK$40,581
90 y/oHK$50,330
95 y/oHK$62,422
99 y/oHK$74,155
0.0%
All-ages avg
0 y/oHK$4,682
5 y/oHK$3,654
10 y/oHK$3,209
15 y/oHK$2,763
20 y/oHK$3,058
25 y/oHK$3,472
30 y/oHK$3,941
35 y/oHK$4,475
40 y/oHK$5,102
45 y/oHK$6,290
50 y/oHK$7,790
55 y/oHK$9,895
60 y/oHK$12,570
65 y/oHK$15,967
70 y/oHK$20,281
75 y/oHK$25,761
80 y/oHK$32,721
85 y/oHK$40,581
90 y/oHK$50,330
95 y/oHK$62,422
99 y/oHK$74,155
+7.0%
All-ages avg
0 y/oHK$5,010 (+7.0%)
5 y/oHK$3,910 (+7.0%)
10 y/oHK$3,434 (+7.0%)
15 y/oHK$2,956 (+7.0%)
20 y/oHK$3,272 (+7.0%)
25 y/oHK$3,715 (+7.0%)
30 y/oHK$4,217 (+7.0%)
35 y/oHK$4,788 (+7.0%)
40 y/oHK$5,459 (+7.0%)
45 y/oHK$6,730 (+7.0%)
50 y/oHK$8,335 (+7.0%)
55 y/oHK$10,588 (+7.0%)
60 y/oHK$13,450 (+7.0%)
65 y/oHK$17,085 (+7.0%)
70 y/oHK$21,701 (+7.0%)
75 y/oHK$27,564 (+7.0%)
80 y/oHK$35,011 (+7.0%)
85 y/oHK$43,422 (+7.0%)
90 y/oHK$53,853 (+7.0%)
95 y/oHK$66,792 (+7.0%)
99 y/oHK$79,346 (+7.0%)
+5.1%
All-ages avg
0 y/oHK$5,035 (+0.5%)
5 y/oHK$3,930 (+0.5%)
10 y/oHK$3,451 (+0.5%)
15 y/oHK$2,971 (+0.5%)
20 y/oHK$3,305 (+1.0%)
25 y/oHK$3,771 (+1.5%)
30 y/oHK$4,344 (+3.0%)
35 y/oHK$4,932 (+3.0%)
40 y/oHK$5,585 (+2.3%)
45 y/oHK$6,932 (+3.0%)
50 y/oHK$8,668 (+4.0%)
55 y/oHK$11,255 (+6.3%)
60 y/oHK$14,768 (+9.8%)
65 y/oHK$19,391 (+13.5%)
70 y/oHK$24,631 (+13.5%)
75 y/oHK$31,285 (+13.5%)
80 y/oHK$39,501 (+12.8%)
85 y/oHK$47,525 (+9.4%)
90 y/oHK$57,125 (+6.1%)
95 y/oHK$68,595 (+2.7%)
99 y/oHK$79,346
+13.4%
All-ages avg
0 y/oHK$5,287 (+5.0%)
5 y/oHK$4,127 (+5.0%)
10 y/oHK$3,716 (+7.7%)
15 y/oHK$3,349 (+12.7%)
20 y/oHK$3,726 (+12.7%)
25 y/oHK$4,251 (+12.7%)
30 y/oHK$4,897 (+12.7%)
35 y/oHK$5,560 (+12.7%)
40 y/oHK$6,385 (+14.3%)
45 y/oHK$7,753 (+11.8%)
50 y/oHK$9,488 (+9.5%)
55 y/oHK$12,617 (+12.1%)
60 y/oHK$17,007 (+15.2%)
65 y/oHK$24,239 (+25.0%)
70 y/oHK$30,789 (+25.0%)
75 y/oHK$39,106 (+25.0%)
80 y/oHK$49,376 (+25.0%)
85 y/oHK$56,720 (+19.3%)
90 y/oHK$62,018 (+8.6%)
95 y/oHK$72,025 (+5.0%)
99 y/oHK$83,313 (+5.0%)
+7.8%
All-ages avg
0 y/oHK$5,679 (+7.4%)
5 y/oHK$4,371 (+5.9%)
10 y/oHK$3,876 (+4.3%)
15 y/oHK$3,494 (+4.3%)
20 y/oHK$3,916 (+5.1%)
25 y/oHK$4,527 (+6.5%)
30 y/oHK$5,269 (+7.6%)
35 y/oHK$6,007 (+8.0%)
40 y/oHK$6,912 (+8.3%)
45 y/oHK$8,407 (+8.4%)
50 y/oHK$10,348 (+9.1%)
55 y/oHK$13,737 (+8.9%)
60 y/oHK$18,477 (+8.6%)
65 y/oHK$26,310 (+8.5%)
70 y/oHK$33,477 (+8.7%)
75 y/oHK$42,821 (+9.5%)
80 y/oHK$54,149 (+9.7%)
85 y/oHK$62,269 (+9.8%)
90 y/oHK$67,772 (+9.3%)
95 y/oHK$78,135 (+8.5%)
99 y/oHK$89,812 (+7.8%)
Avg. annual increase (compound, term = today − earliest version date)· as of 2026-06-11
0 y/o+2.75%
5 y/o+2.55%
10 y/o+2.69%
15 y/o+3.36%
20 y/o+3.54%
25 y/o+3.80%
30 y/o+4.17%
35 y/o+4.23%
40 y/o+4.36%
45 y/o+4.16%
50 y/o+4.07%
55 y/o+4.72%
60 y/o+5.57%
65 y/o+7.28%
70 y/o+7.30%
75 y/o+7.41%
80 y/o+7.34%
85 y/o+6.21%
90 y/o+4.27%
95 y/o+3.21%
99 y/o+2.73%
Each cell shows the premium amount, with the change vs. previous version in parentheses. The first version shows only the baseline premium. The average annual increase is a compound rate (latest / earliest)^(1/years) − 1, with years = today − earliest version date.· as of 2026-06-11
Default view shows 21 anchor ages (one every 5 years, plus 0 and 99) for a quick read of the inflation curve. The Avg. annual increase column on the right is always computed across all 100 ages regardless of toggle state.